Attachment theories are psychological models which attempt to describe the short term and long term dynamics of interpersonal relationships between humans (Cakic & Marjanovic-Umek, 2015). The theory does address a particular facet within the humans in the ways they respond to relationships when hurt, perceiving a threat or when separated from their loved ones. Essentially, infants are more attached to any caregiver if provided with any but in any relationship, there are individual differences. Within any form of relationship, there are different attachment patterns which range from secure attachment, anxious-avoidant affection, and anxious-ambivalent attachment. Secure affection is demonstrated by the children that show some distress at times when their caregiver leaves but can compose themselves and do something with the know-how that their caregiver will return. Anxious-ambivalent individuals are defined by the children that become very distressed in the times when their caregiver leaves and are not able to compose themselves. The paper, therefore, aims at demonstrating that anxious-ambivalent individuals report more impulsivity than securely attached people.
Anxious-ambivalent attachment is an attachment pattern which typically explores pint-sized in strange situations and often cagey of the strangers even in the presence of the parent (Ein-Dor, 2015). At the departure of the mother, the child becomes highly distressed and at her return, the child is ambivalent. The strategy of anxious-ambivalent is a rejoinder to the unpredictability responsive caregiving, helplessness and the pageants of anger directed at the caregiver on the reunion. It is a conditional stratagem to maintain the handiness of the caretaker by preventatively enchanting control of the interaction (Cakic & Marjanovic-Umek, 2015). The children with anxious-ambivalent attachment are always distrustful, suspicious and highly impulsive than secure attached individuals and act desperate and clingy. Often, they tend to emphasis passionately on their mother and have a hyper-vigilant behavior regarding the unavailability or availability of the parent. They dither between the over-dependent adhering and the angry denunciation of their caretaker.
Geller & Farber (2015) assessed the attachment patterns of children between 12 to 18 months noted that the reunion of the children with the anxious-ambivalent attachment with their mothers, the children were dazed, confused, stared into space avoiding direct eye contact with their parents. They alternated between squirming away and clinging to her. At times, the children actively resisted the comforting gestures of their mothers while others lingered intensely engrossed on their mothers but did not appear to be comforted or satisfied. He further noted that they had a high impulsivity than the individuals with secure attachment kind of relationship. The limited responses and the narrow focus of these children prevented any further exploratory behavior or further play (Ein-Dor, 2015). Blalock et al. (2015) established that the kids with obnoxious childhood involvements are more probable to cultivate ambivalent attachments. Furthermore, the study elucidated that the youngsters with ambivalent affections are more prospective to experience hitches in maintaining bosom relationships as grownups.
In adulthood, the children with anxious-ambivalent attachment often have preoccupied patterns of attachment. As adults, they are insecure and self-critical. Mostly, they seek reassurance and approval from others and yet their self-doubt in never relieved. The deep-seated feeling of rejection within their relationship makes them not trusting, worried and impulsive. Due to this, they act overly dependent, clingy and impulsive to their partner. Their lives are not balanced, and their timidity leaves them turned against themselves and fervently fraught in their interactions.
The adults with patterns of preoccupied attachments are usually, impulsive, desperate and self-critical often presumptuous the protagonist of the chaser in the relationship. They usually have negative views of themselves and possess positive opinions of other persons especially their partner and parents. They heavily rely on their partners to validate their self-worth. The fact that they were brought up distrustful of their inconsistency and the absence of their caregivers, they are highly sensitive to rejection. Often, they anticipate abandonment or rejection and look for ciphers that their companion is losing interest. This is not the case for those who experienced secure attached relationships (Cakic & Marjanovic-Umek, 2015).
The individuals who experienced securely attached relationships often uphold a high sense of self-esteem, are positive about themselves and are less impulsive. In whatever relationship they fall into, they feel secure and are more accommodating. They are more satisfied in their relationships and can venture out to the world and explore it independently. Secure adults often have similar relationships with their companions, feel secure and connected while at the same time permitting themselves and their companions to move more freely. In distressful situations, secure grownups offer support to their partners. They can request comfort from their partners in cases feeling troubled. They are often in genuine, equal and open relationships with both persons feeling independent yet loving toward each other.
The differences in the types of attachments are developed in the early ages of childhood growth (Blalock et al., 2015). They are highly dependent on the caregivers behavior towards the child and the surrounding environment. Developing a secure attachment with the child is often more advantageous than having an anxious-ambivalent kind of attachment.
References
Blalock, D. V., Franzese, A. T., Machell, K. A., & Strauman, T. J. (2015). Attachment style and self-regulation: How our patterns in relationships reflect broader motivational styles. Personality And Individual Differences, 8790-98.
Cakic, L., & Marjanovic-Umek, L. (2015). Methods used by mothers to help children during solving cognitive problem tasks: comparison between mothers of securely and insecurely attached preschool children/ Metody, ktorymi matky pomahaju detom riesit kognitivne ulohy: porovnanie matiek s pevnou a slabou vztahovou vazbou k svojim predskolskym detom. Studia Psychologica: Journal For Basic Research In Psychological Sciences, (1), 21.
Ein-Dor, T. (2015). Attachment dispositions and human defensive behavior. Personality And Individual Differences, 81(Dr. Sybil Eysenck Young Researcher Award), 112-116.
Geller, J. D., & Farber, B. A. (2015). Attachment Style, Representations of Psychotherapy, and Clinical Interventions With Insecurely Attached Clients. Journal Of Clinical Psychology, 71(5), 457-468.
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Cedarburg Light & Water recommends utilizing a water softener within the city. Cedarburg's water is considered moderately hard. While most softeners will do the job, here are a couple tips before you make your purchase:
The water softener should be sized to handle 25,000 to 35,000 grains of hardness. We recommend purchasing a "demand" style water softener. This type of softener will only recharge after a certain amount of water has been used, which will save you money in salt consumption over the long term.


The National Human Genome Research Institute launched the Genomics Careers Resource, a showcase of nearly 50 genetics and genomics career opportunitites aimed to help students with their professional plans, at genome.gov/GenomicCareers.
Beyond highlighting various professional options, the resource also contains video interviews, career profiles, tools to evaluate potential career choices, and an interactive game. It also features options to share site content with various social media tools.
"It would have been valuable to have such easily accessible career advice when I was a student," NHGRI director Erin Green said in a statement. "The Genomic Careers Resource will get current and future students excited about careers in genetics and genomics, showing them how they can contribute to improving human health and a better understanding of our biological world."
According to NIH, the resource is fit to aid educators, as well. Beyond the NHGRI researchers and staff, collaborators from GeneDx, the National Center for Biotechnology Information, the National Library of Medicine, the NIH Intramural Sequencing Center, the National Institutes of Standards and Technology, the Society for the Advancement of Chicanos and Native Americans in Science, Condordia University, Arizona State University, John Hopkins University, and the Prince Georges County (Md.) Publich Schools, all contributed to the project.
"We designed the career resource to showcase real people engaged in a wide variety of activities in the fields of genetics and genomics," said Vence Bonham, head of the NHGRI's Education and Community Involvement Branch. "It is filled with tools that can help students narrow down the careers they want to pursue in these growing fields."


Introduction of indoor plants to your home or workplace will always have a positive impact on the milieu. Interior landscaping plays a critical role in providing a serene and tranquil environment where one can move, work or relax. Studies have confirmed that Plants help in reducing stress and create a feeling of well-being. Presence of indoor plants ensures a healthier office, less sick leaves, more productivity and fewer mistakes due to noise distractions.
The experienced and efficient team at Lease-A-Leaf can help you in creating the most appropriate atmosphere which can transform your workplace into a tranquil, green haven. The Green Building Council of Australia awards “Green Star” points for the use of indoor plants in their assessment of the environmental friendliness of a building’s interior. A plethora of benefits are associated with Indoor plants like:
Improved Air Quality: The Indoor plants have a significant role in removing harmful Volatile Organic Compounds, thereby reducing Sick Building Syndrome and improving well-being of employees. Improved Productivity: The image and look of the office is spruced by the incorporation of plants. A beautiful workplace ensures exponential growth and rise in productivity. Improved Corporate Image: Beautiful foliage projects a positive corporate image in front of clients and visitors. Comfortable working environment: Indoor plants are instrumental in creating a dust-free environment and also assist in maintaining the humidity at a comfortable level.
The benefits associated with Indoor plants outweigh the costs involved in maintaining them. A green interior creates magic with its vibrant colours and provides a fresh, clean and healthy environment for its employees.


Research published in June’s Vet Record discusses the attitudes and perceptions of vet professionals towards ADR reporting.
A survey was designed by the research team and advertised widely through conventional and social media and at several conferences.
In total, 260 respondents completed the survey, including 210 veterinary surgeons, 49 veterinary nurses and one suitably qualified person. Respondents generally understood the need to report ADRs.
The main barrier to reporting was the suspected ADR being well known, and the most popular potential facilitator identified was the ability to report via the practice management system. Facilitation via education in the form of a pharmacovigilance themed continuing professional development event was particularly popular among veterinary nurses, who reported time as being less of a barrier to reporting than their veterinary surgeon counterparts.
Spontaneous reporting of suspected adverse drug reactions is the cornerstone of pharmacovigilance. Despite this, it is believed that there is significant under-reporting in the veterinary setting. Low reporting rates delay marketing authorisation holders and regulators taking mitigating action in the case of safety concerns.
The study’s findings suggest that technological interventions to facilitate reporting and empowerment of veterinary nurses to report through a tailored training event should be explored further.
We receive many calls involving adverse reactions to drugs and are on hand to assist with these cases.


Abstract
The literature assessing whether mutual fund managers have skill typically regards market timing or stock picking skills as immutable attributes of a manager or fund. Yet, measures of these skills appear to vary over the business cycle. This paper offers a rational explanation, arguing that timing and picking are tasks. A skilled manager can choose how much of each task to attend to. Using tools from the rational inattention literature, we show that in booms, a manger should pick stocks and in recessions, he should pay more attention to his market timing. The model predicts equilibrium outcomes in a world where a fraction of managers have skill and invest alongside unskilled investors. The predictions about funds' covariance with payoff shocks, cross-fund dispersion, and their excess returns are all supported by the data. In turn, these findings offer new evidence to support two broader ideas: that some investment managers have skill and that attention is allocated rationally.
Download PDF
Citation
Kacperczyk, Marcin, Stijn Van Nieuwerburgh, and Laura Veldkamp. "A Rational Theory of Mutual Funds' Attention Allocation."
Econometrica 84, no. 2 (March 2016): 571-626.
Each
author name for a Columbia Business School faculty member is linked to a faculty research page, which lists additional publications by that faculty member.
Each
topic is linked to an index of publications on that topic.


Stanford’s Sanjiv Gambhir has developed an imaging molecule that can identify pancreatic, cervical and lung cancer early– and, surprisigly, hard-to-detect idiopathic pulmonary fibrosis. The tracer clings to integrin alpha-v beta-6. In a PET scan, the tracer glows due to radioactivity emissions, which allows doctors to see exactly where the tracer is docked in the body.
A small clinical trial included patients healthy and cancer or IPF patients. The results indicated the tracer is accurate and has disease detection potential.
Join ApplySci at the 12th Wearable Tech + Digital Health + Neurotech Boston conference on
November 14, 2019 at Harvard Medical School featuring talks by Brad Ringeisen, DARPA – Joe Wang, UCSD – Carlos Pena, FDA – George Church, Harvard – Diane Chan, MIT – Giovanni Traverso, Harvard | Brigham & Womens – Anupam Goel, UnitedHealthcare – Nathan Intrator, Tel Aviv University | Neurosteer – Arto Nurmikko, Brown – Constance Lehman, Harvard | MGH – Mikael Eliasson, Roche – Nicola Neretti, Brown – R. Jacob Vogelstein, Camden Partners
Join ApplySci at the 13th Wearable Tech + Neurotech + Digital Health Silicon Valley conference on
February 11-12, 2020 on Sand Hill Road featuring talks by Zhenan Bao, Stanford – Rudy Tanzi, Harvard – Shahin Farshchi – Lux Capital – Sheng Xu, UCSD – Carla Pugh, Stanford – Nathan Intrator, Tel Aviv University | Neurosteer – Wei Gao, Caltech – Mikael Eliasson, Roche – Dror Ben-Zeev, University of Washington – Sergiu Pasca, Stanford


2021 Year-End Tax Planning Guide
As 2021 draws to a close, now is the time to plan for your April 2022 tax filing. For both individuals and businesses, year-end tax planning is a key step in reducing your tax liability.
That’s especially true this year, as tax rules are set to change at the end of 2021 or in early 2022. In particular, the Biden administration’s $1.75 trillion Build Back Better Act, which was passed by Congress and is now in the Senate, is likely to bring a host of changes to tax law.
To help you understand what these changes could mean for you and what steps to take in the final weeks of 2021 to plan for financial success, CJBS created a Year-End Tax Planning Guide.
Please share your information to receive a free PDF of this valuable resource by email.


Postprocessing as a limiting factor for production-scale additive manufacturingTony Pallone | November 03, 2020
The terms “additive manufacturing” and “3D printing” are often used interchangeably. Both involve the same process in which three-dimensional objects are built up from basic materials. But thinking of the two terms as synonymous overlooks a crucial difference: the amount of postprocessing that goes into making a part usable in its intended context.
For hobbyists using 3D printers, this may be minimal. For manufacturers using additive methods, however, it involves a significant investment of resources. Postprocessing requirements have an impact on bottom-line operating expenses, and they represent one of the significant scaling challenges that have so far diminished the potential for widespread industrial adoption of additive manufacturing (AM) techniques.
Among the postprocessing techniques most important in a manufacturing context are removal of the vertical support structures used to help create the geometry of printed objects, and surface finishing. Both take on increased importance as manufacturers shift their use of AM from prototyping to production. The types of materials being printed, and the printing methods being used, also serve to dictate postprocessing needs.
Print materials and methods
Fused filament fabrication (FFF), for instance, may be associated with numerous postprocessing techniques. FFF falls into the broader 3D-printing category of material extrusion, and it is the printing technique with which hobbyists are most likely to be familiar. Suitable for numerous types of materials — thermoplastic polymers, polymer matrix composites, ceramics, metals and others — it has found a place in the manufacturing realm as an easy-to-use tool for rapid prototyping.
Support structures are integral to the FFF process. After printing is completed, they must be removed — either manually with tools, or, for more complex geometries, with chemical solvents. FFF prints are also typically characterized by layer lines that must be addressed if smooth surfaces are required. This can be achieved by sanding, which may be followed by additional postprocessing techniques like painting or polishing.
It should be noted that some of the more powerful polishing techniques are limited in utility. Vapor smoothing, for instance, can be used to address blemishes and impart a smooth shell around the print exterior — yet the process makes use of aerosolized solvents that carry safety concerns around inhalation and flammability. A solvent “dip,” by contrast, works more rapidly while producing less vapor — but also smooths the print surface aggressively, impacting tolerances. If a printed part is left in the dip too long, moreover, complete deformation may result.
Another broad printing category used in manufacturing is powder bed fusion (PBF). The term encompasses several selective fusing techniques including selective laser melting (SLM), selective laser sintering (SLS), electron-beam melting (EBM) and others. PBF can be used with a variety of materials, including thermoplastics, ceramic powders and almost any metal alloy. It also offers high accuracy and mechanical consistency, making it well-suited for both functional part prototyping and short-run production.
The selective nature of PBF also allows multiple pieces to be built simultaneously, using a build plate as an anchor and unfused media for support. When printing is finished, the parts will be fused to the plate and buried inside a powder chamber. Postprocessing techniques then come into play; these include machining to remove the parts from the plate, and removal of excess powder to impart a finish or prepare the surface for painting, lacquering or dyeing.
A third category, vat polymerization, dates back to the earliest days of 3D printing with the invention of stereolithography (SLA). The method employs a light source, such as a laser or digital light projector (DLP), to progressively cure an object out of a vat of liquid photopolymer resin. While no structural support is required for the build itself, supports are critical for imparting strength during post-curing.
Polymerization offers highly accurate printing with fine details and features, but also relies upon a significant level of skill for successful support removal and production of a clean finish. Standard resin materials are ideal for visual prototypes, but they are generally too brittle to be functional; specialty materials are available, but they are costly.
Common challenges, timely solutions
While each of these materials and methods present its own set of unique challenges, some common themes emerge when they are considered as a whole.
According to an annual trends survey report conducted by PostProcess Technologies, the complexity of postprocessing is increasing. Companies are adding more methods to their workflows, complicating the management of equipment and operator skill sets. The challenge of effectively employing skilled labor is especially relevant to print technologies targeted at short-run production, including PBF and vat polymerization. Factors like these underscore the difficulty of scaling, contributing to AM’s inability (thus far) to break out of its niche corner in the manufacturing industry.
London-based workflow solutions provider AMFG similarly sees postprocessing as a “key bottleneck” to using AM as an industrial process. Its own AM landscape report for 2020 notes that postprocessing expenditures can be as high as 60% of the total cost-per-part. However, it points to the emergence of automated solutions — coming both from 3D-printing companies like the aforementioned PostProcess Technologies and large traditional companies like surface-finishing specialist Rösler — as pathways to increasing the technology’s viability.
A key question, however, is whether such solutions offer enough for the industry to build upon, while the window of opportunity remains open. Another recent survey report from Enable Manufacturing suggests that factors such as cost, quality, scalability and even confidence in the technology must be addressed if enthusiasm for AM is to remain. “Despite its promising attributes of design flexibility, fast turnaround, and ability to produce complex parts, AM has not yet become a mainstream production method,” the report stated. “Many businesses have dipped their toes in the water and have used AM for prototyping or small production runs but came away with mixed feelings.”
Seen in this context, it is clear that improving operations like support removal and surface finishing is just one aspect of a comprehensive approach that could guide AM to the next level in manufacturing. The whole process must be considered — long before postprocessing even begins.


Abstract
BACKGROUND: Routine childhood varicella vaccination, implemented in 1995, has resulted in significant declines in varicella-related hospitalizations in the United States. Varicella hospitalization rates among the American Indian (AI) and Alaska Native (AN) population have not been previously documented.
METHODS: We selected varicella-related hospitalizations, based on a published definition, from the Indian Health Service inpatient database for AI/ANs in the Alaska, Southwest and Northern Plains regions (1995-2010) and from the Nationwide Inpatient Sample for the general US population (2007-2010). We analyzed average annual hospitalization rates prevaccine (1995-1998) and postvaccine (2007-2010) for the AI/AN population, and postvaccine for the general US population.
RESULTS: From 1995-1998 to 2007-2010, the average annual varicella-related hospitalization rate for AI/ANs in the 3 regions decreased 95% (0.66-0.03/10,000 persons); the postvaccine rate appears lower than the general US rate (0.06, 95% confidence interval: 0.05-0.06). The rate declined in all AI/AN pediatric age groups. Infants experienced the highest prevaccine (14.07) and postvaccine (0.83) hospitalization rates. Adults experienced low rates in both periods. Varicella vaccination rates in 19- to 35-month-old AI/AN children during fiscal years 2008-2010 were 88.1-91.0%.
CONCLUSIONS: Widespread use of varicella vaccine in AI/AN children was accompanied by substantial declines in varicella-related hospitalizations consistent with high varicella vaccine effectiveness in preventing severe varicella outcomes.
ASJC Scopus subject areas Pediatrics, Perinatology, and Child Health Microbiology (medical) Infectious Diseases


Welcome to OHE’s Masterclass Hub Together we can improve decisions surrounding healthcare, and deliver better outcomes for patients, payers and industry.
After the successes or our 2019 and 2021 Series’, OHE’s established flagship educational programme continues to develop understanding, offer insights, and stimulate discussion and action into the critical topic areas to the day.
OHE’s Masterclasses provide a curated learning journey led by the best and most relevant experts in their subject field. Every event explores the complexities of a topic from multiple perspectives (including theory and empirical evidence, policy and real-world experience), and provides the opportunities to discuss challenging health care.
We draw together international thought-leaders and renowned experts on health economics and policy who collectively drive technical and policy debates through breaking down often complex and convoluted concepts into easy to understand and relevant content. All of our speakers offer expert insights and guidance into real-world practices, guaranteeing delegates leave the events well-informed and equipped to carry on the discussion after the event.
To ensure our Masterclass content and expert insights are available internationally, we offer a variety of ways to access our 2021 and 2022 Series. This year you can:
Join our live interactive 2022 Masterclasses Access a selection of our 2021 Masterclass OHE lectures on-demand Sponsor and co-create a Masterclass which is either tailored for your team or a traditional live Masterclass for all to join


The Effects of Antibiotic Introduction on The Feeding Efficiency of The American Dog Tick, Dermacentor variabilis
This project was designed to study whether antibiotic use in domesticated host animals affected the intestinal microbial communities of ticks. We hypothesized that antibiotic use in host species would be a detriment to the tick. This study employed an artificial feeding method to introduce antibiotics into the tick. Adult females of
Dermacentor variabilis were artificially fed for twelve hours using capillary tubes containing serum albumin and the antibiotics Chlortetracycline and Sulfadiazine. After antibiotic introduction, ticks were placed on hosts and allowed to complete feeding. Engorged ticks were removed from the host and monitored for egg laying performance. The preliminary data has shown that antibiotics do not have a negative impact on the feeding efficiency. Ticks fed with Chlortetracycline were significantly heavier (t= 1.86, d.f. = 36, P< 0.05) than the control group indicating the Chlortetracycline treatment had a beneficial effect on the feeding efficiency while Sulfadiazine had no significant effect. Keywords: D. variabilis, Chlorotetracylcin, Sulfadiazine, bacterial fauna, arthropods
Topic(s):Biology Presentation Type: Oral Paper Session: 27-1 Location: VH 1408 Time: 9:45


In a recent research report published in the Personality and social psychology bulletin, Polman and Emich demonstrate how when we make decisions for others, we are going to make decisions that are more creative than the ones we make for ourselves. This is just the latest extension of research into construal level theory, an intriguing […]
In a recent blog post on Visual Thinking, George Siemens wrote: I’m not a visual person. Ok, not totally true. I’m a visual person, but I lack skills to express myself visually. He then provided a great link to Joan Vinall-Cox’s article on Visual Literacy and Visual Thinking. I wanted to thank him on his […]
In one of her recent blog posts, Janet Clarey poses the question How hard is it for you to balance innovation and execution? She compares and contrasts taking time to think and innovate with working in “execution” mode. She explains that when returning from vacation, she was in execution mode, which was good because, according […]


Prognostic stratification of patients with squamous cell carcinomas of the lung (SCC-L) is challenging. Therefore, we investigated several histomorphological parameters (tumour cell budding (TCB), spread through air spaces (STAS), tumour-stroma-ratio, immune cell infiltration) which could potentially serve as prognostic parameters in SCC-L. We aimed to systematically determine optimal cut-off-values and assess the prognostic capability of these patterns. We furthermore assessed interobserver variability (IOV) for prognostically significant patterns TCB and STAS.The Cancer Genome Atlas (TCGA) study cohort consisted of 335 patients with SCC-L. Histomorphological parameters analysed comprised TCB, minimal cell nest size (MCNS), STAS, stroma content and immune cell infiltration. The most significant cut-off-values were determined and univariate and multivariate survival outcomes were estimated. The identified cut-off-points were validated in an independent SCC-L cohort (n = 346 patients). Two experienced pathologists probed IOV in the validation cohort.In the TCGA study cohort, TCB, STAS and immune cell infiltration were identified as significant prognostic parameters. TCB-high tumours, a high number of STAS foci, extensive STAS for distance of STAS in alveoli and a low immune cell infiltration remained as independent prognostic factors in multivariate Cox proportional hazard analyses for overall survival (OS). The significance of TCB, number of STAS foci and distance of STAS in alveoli for OS could be validated in the validation cohort. IOV reached a Kappa ≥ 0.89 for prognostic parameters.We determined optimal cut-offs and identified TCB and STAS (number of STAS foci, distance of STAS in alveoli) as independent and uncorrelated prognostic factors for patients with SCC-L. The significance was validated in a large independent cohort. IOV was almost perfect for prognostic parameters. We propose the application of TCB- and STAS-based grading in SCC-L as prognostic morphological classifiers.


Q. Have any court rulings upheld the denial of requests for exemption from the COVID-19 vaccine? A. Yes. Coming on the heels of President Joe Biden’s plan to require millions of workers to receive COVID-19 vaccinations, many employers either have already implemented or have begun implementing vaccine mandates. As expected, these mandates have triggered some employee pushback, particularly from those requesting an exemption from the vaccine requirement based on a disability or religious belief. While there have not been many published decisions on this issue yet, one recent decision from the Pennsylvania Court of Common Pleas provides guidance to employers in determining whether a request for exemption from a vaccine mandate based on a religious belief must be accommodated.


Despite the increasing prevalence of obesity, all FDA-approved medications, which act indirectly on the central nervous system to suppress appetite or on the gastrointestinal tract to inhibit fat absorption, suffer from poor effectiveness and side effects. Most of these medications have been withdrawn from the market. Although liposuction performed in clinics can effectively remove targeted subcutaneous fat, it suffers from invasiveness, high costs, associated risks, induction of compensatory increase of visceral fat. Although thermal lipolysis induced by high-power laser energy is a non-invasive way to reduce subcutaneous fat, its effectiveness is limited and it often causes skin burning. Both liposuction and laser lipolysis cannot improve whole-body metabolism.
The technology owner has developed a transdermal mild photothermal therapy directly acting on the root of evil, i.e. subcutaneous fat, to induce its ameliorating remodelling (browning, lipolysis, angiogenesis, and apoptosis), based on the injectable hydrogel encapsulated with photothermal agent. Browning refers to the conversion of energy-storage white fats into energy-burning brown fats. Further, combining with pharmaceutical therapy by codelivery of pharmacological agent leads to a strong therapeutic synergy. This method not only ensures high effectiveness and low side effects due to localized and targeted application but also remotely creates significant improvements in whole-body metabolism (e.g., reduction of visceral fat, relief of diabetic symptoms). In addition, this technology is applicable for cosmetic purposes, e.g., body contouring and reduction of double chin.
The technology owner is seeking potential biotechnology companies, clinicians, and other partners to clinically translate and commercialize this technology. Possible modes of collaboration include R&D, process, and product development.
Photothermal agents and pharmacological agents are encapsulated in biocompatible and biodegradable hydrogel which retains the therapeutics to ensure sustained effects. After being injected into subcutaneous fat depots (e.g., belly fat) using an insulin needle or an automated injection device with minimal pain, NIR irradiation at each injection site will be applied for only five minutes using a portable laser source, one to three times a day for several days without the need of another injection. This described procedure (injection + laser treatment) can be applied once or several times. Obvious mass reduction of the treated fat and other beneficial effects on the whole-body should be resulted. In contrast to laser lipolysis, this procedure shall be much more effective, pain free without causing skin burning, and profoundly beneficial. It can be conducted in clinics by professionals or be self-administered at home for long-term care.
The primary application area of our technology is for treating obesity and associated metabolic diseases (e.g., type 2 diabetes). This technology can also be used for non-therapeutic or cosmetic purposes, including contouring, sculpting, or slimming one or more regions of the subject’s body for a desirable appearance. To be specific, this technology can locally remove stubborn fat below the chin, or in thigh, abdomen, thorax, flank, upper limb, upper body, lower limb, back, etc.
As highlighted by Mordor Intelligence, the anti-obesity drugs market was valued at about US$ 1,690 million in 2020, and it is expected to reach US$ 4,250 million in 2026, registering a CAGR (compound annual growth rate) of 15% over the forecast period, 2021-2026. And according to IMARC Group, the global body contouring market reached a value of US$ 7.3 billion in 2021, and is expected to reach US$ 11.1 billion by 2027, exhibiting at a CAGR of 6.9% during 2022-2027. This technology provides an unprecedented solution with high effectiveness and low risks.


Under the Government of India’s Street Lighting National Programme (SLNP) over 21 lakh conventional street lights have been replaced with LED street lights across the country. The newly installed lights have led to brighter streets, feeling of enhanced safety and security among the residents and motorists. Energy Efficiency Services Limited, a Public Energy Services Company under the administration of Ministry of Power, Government of India (GoI) is the implementing agency for SLNP.
The installation of LED street lights has resulted in Annual energy savings of 295 million unit kWh, avoided capacity of over 73 MW and reduction of 2.3 lakh tonnes of CO2 annually. The project has been implemented across 23 states and union territories. The lighting level on roads have increased significantly after the replacement.
EESL is also implementing a special heritage lighting project, wherein 1000 LED street lights have been installed in Kashi region of Uttar Pradesh, and another 4000 lights are being installed.
Prime Minister of India Shri Narendra Modi launched 100 cities National Programme on 5th January 2015 to convert conventional street and domestic lights with energy efficient LED lights. Under Street Light National Programme (SLNP), Government aims to replace 1.34 crore conventional street lights with energy efficient LED lights.


Not Refusal, but Hesitancy
Most parents accept the recommendations for routine vaccination. US vaccination rates are at the highest our country has ever achieved.
[5,6] School and daycare mandates appear primarily not to drive into the open outright parental refusal, but make parents who thought their children were up-to-date aware of vaccines due. [4]
A more apt term to describe our situation with the majority of parents then is vaccine hesitancy rather than refusal. In 1957, Mitchell and Cu used the term 'hesitancy' in describing acceptance issues with polio vaccination.
[7] Parents who delay vaccinations are not necessarily meaning to refuse them. Sometimes parents are merely seeking more time to consider the decision. Sometimes they wish to delay the vaccination based on their concerns of their child's current condition. Even expressions of refusal may represent really what we might better term as vaccine hesitancy. That said, clinicians must recognize that the parents' decisions are more often than not final, but still open for further consideration.
As a recent study shows, even the parents who accept vaccinations are struggling with their decisions.
[8] Among the 1491 parents chosen because their children were fully vaccinated, nearly 25% claimed children get "more immunizations than are good for them" and 34% expressed concerns that their children's immune systems "could be weakened by too many immunizations". [8] This undercurrent of parental concern may explain why we cannot move beyond 79.4% up-to-date children aged 19–35 months for a standard set of routine childhood vaccines, a rate we achieved in 2003 and have maintained every year since. [5,6] Certainly, these parental concerns are not conducive to improving the rates or reducing the impact of organized antivaccine movements.
Pediatr Health. 2010;4(3):239-242. © 2010 Future Medicine Ltd.
Cite this: Vaccination Refusal and Parental Education: Lessons Learnt and Future Challenges -
Medscape - Jun 01, 2010.


A growing list of countries are preparing to re-open their economies. The good news is that the number of new active infections is slowing markedly in many countries, to the point where there are now more countries witnessing a deceleration or even contraction than those still suffering an acceleration in COVID-19 cases.
However, on the bad news side of the ledger, there are uncertain odds of a smooth, even if gradual, re-starting of economic activity. Some early-responding countries are trying to re-start, but with mixed results. For instance, although Singapore has a unique problem in terms of its foreign labor force, the lesson from its huge second wave of cases is that extensive testing and continued quarantining are needed until treatments and/or a vaccine are found. Absent the latter, a smooth return to normal economic activity is unlikely.
A just-published report from MRB discussed the challenges ahead, and noted that global equity markets were becoming vulnerable, as the outlook for corporate profits is likely to remain very uncertain for longer than is currently discounted. We are maintaining a neutral weighting in stocks within a global multi-asset portfolio, with a strategy of gradually augmenting holdings in favored sectors/markets on weakness, as a test of the March lows cannot be ruled out. Conversely, we remain overweight credit: the narrowing in spreads has slowed, but we expect significant further narrowing over the next 3-6 months, backstopped by open-ended policies at the major central banks.


Causes of Possible Mold Damage in White Plains Homes 8/9/2022 (Permalink) SERVPRO Overcomes Mold Damage Threats
Mold development in your home is easier to understand and resolve when you can identify the cause and work on preventing recurrences. While there might be many reasons moisture could exist in your home, there are a few critical possibilities why mold is a threat right now.
Moisture and Water Damage Concerns
Even before you notice mold damage in White Plains properties, conditions must exist to support colony development and sustain their presence. Moist or damp areas of the residence are needed for this, which are not difficult to produce after disasters like burst pipes or leaks in the plumbing system. Drying must be complete to prevent mold and microbial growth, meaning that our sophisticated detection tools and sensors must get used to tracking moisture movement. Options include:
Surface Moisture Detectors Thermo hygrometers Thermal (Infrared) Images Probing Meters High Environmental Moisture Content
Humidity is one of the most direct influences on mold development in the house. After disasters, environmental moisture can continue to be a factor even if the surface water is resolved. Dehumidifiers can help collect humidity and lower these levels to prevent ideal conditions for colonization.
Poor Ventilation
Bathrooms and kitchens without adequate ventilation often see damp conditions persist, and water becomes a prevalent threat to these house areas. The lingering moisture content creates a viable location for mold development, so SERVPRO can resolve these threats by installing sufficient ventilation outlets at homeowners' request.
Unknown Mold Damage Concerns
Mold damage can be challenging to track and identify until it breaches the surface materials of areas in the living space. Consequently, mold development can allow a continued spread of the organism through sensitive materials nearby until this threat gets resolved. You can look for surface spotting, persistent dampness, or a harsh odor to indicate the presence of colonies beyond what you can see.
Do you have mold damage? Call SERVPRO of White Plains and New Rochelle at (914) 684-1560.


Poverty, hunger, disease and environmental impact often feel removed or too overwhelming for us as individuals to have any real impact. But collectively, each of our choices and actions can be a force for positive change in even the most complex global challenges.
The UAE is inviting the world to come together and prove this as part of Expo 2020 Dubai.
A world expo is a rare chance for individuals, nations, businesses, multilateral organisations and educational institutions from all over the world to come together and form meaningful partnerships that drive global change.
Expo 2020’s newly unveiled Opportunity Pavilion is designed to act as a platform to harness this power of collaboration in our joint effort to support human development.
The pavilion is framed around the UN’s Sustainable Development Goals (SDGs), a set of 17 global objectives that aim to ensure a basic quality of life for everyone.
This week I will attend the United Nations General Assembly (UNGA) in New York to discuss how the international community is working to achieve those SDGs as part of the 2030 Agenda for Sustainable Development.
Through Expo 2020, the UAE can make a significant contribution to this collective effort and the Opportunity Pavilion has a crucial role to play.
By providing people with access to basic needs such as clean water, nutritious food and equal access to healthcare, education and jobs, we create environments that enable them to thrive and reach their full potential. Every individual has a role to play if we are to maximise the scale of our impact.
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Read more on Expo 2020 Dubai:
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The Opportunity Pavilion will put each visitor at the heart of our collective mission to support human development through an engaging and interactive journey that uses decision-making to show the impact of our choices and actions.
It will highlight how our individual, small actions can help solve problems faced by communities in every corner of the planet.
The pavilion will also offer the ideal home for Expo 2020’s global best practice programme called Small Steps, Big Leaps, which showcases successful solutions that can have an impact on the world’s biggest challenges.
These solutions can be developed and implemented by anyone, from countries, companies and international organisations to communities or even creative individuals. This is what
By empowering people to recognise their personal role – and therefore our collective role – in achieving common goals, our nation has the chance to meet its 2020 objectives within the context of the world’s 2030 agenda. This is a global agenda. The SDGs are the result of a grassroots movement; they were conceived by individuals like you and me. Everyone has a role to play in ensuring we achieve them.
Through Expo 2020, the UAE will bring all kinds of partners to the table to enhance collaboration and unlock new opportunities that enable people to achieve their immediate goals while pursuing their long-term aspirations.
Reshaping our collective future will not be easy but we have the numbers to make a real difference. The global population is expected to surpass eight billion before 2030. Imagine what the overall impact would be if each one of us made a small, conscious decision to change something for the better?
Fortunately, the 193 countries represented in UNGA have committed to achieving SDGs and by focusing our attention on them and engaging all of Expo 2020’s stakeholders – including millions of visitors – in their achievement, the UAE has an opportunity to accelerate our collective journey towards global change. This is our chance to make meaningful contributions to end poverty, provide quality education, drive economic growth, improve infrastructure and reduce inequality.
We have committed to delivering the most inclusive world expo in history because, regardless of nationality, age, ability or background, we all have the power to make the world a better place. Those who visit Expo 2020 and its Opportunity Pavilion will not only witness but experience this firsthand.
By encouraging and empowering millions of people to consider the impact of their personal choices and actions, our nation can affect positive change on a global scale. Opportunity is a win-win game. If we succeed in making small but meaningful improvements to our own lives, the entire world stands to benefit.
Reem Al Hashimy is the UAE's Minister of State for International Cooperation and director general of Expo 2020 Dubai


Foot & Ankle Surgery located in Fort Worth and Weatherford, TX
Neuromas are nerves that become inflamed and irritated, causing chronic foot pain. If you’re experiencing symptoms that could be due to a neuroma, the board-certified, fellowship-trained surgeons at Trinity Foot & Ankle Specialists in Fort Worth and Weatherford, Texas, can help. They specialize in treating conditions like Morton’s neuroma in the feet using nonsurgical therapies and advanced surgical solutions. To find relief from your painful neuroma, call Trinity Foot & Ankle Specialists today, or book an appointment online.
A neuroma is thickened nerve tissue. Morton’s neuroma (also known as an intermetatarsal neuroma) is the most common one that affects the foot. It occurs between your third and fourth toes between the metatarsal bones. You can also get neuromas in other parts of your foot.
The tissue thickening and enlargement that causes a neuroma is due to compression and irritation of the nerve. Untreated neuromas can result in permanent nerve damage and chronic pain.
A neuroma causes ongoing pain plus tingling or burning sensations and numbness in your forefoot. You might feel like there’s something inside the ball of your foot or that your sock is bunched up in your shoe.
Symptoms start gradually and may go away if you remove your shoe, massage the foot, or avoid footwear and activities that aggravate your symptoms. As the neuroma gets bigger, your symptoms become worse and the pain more constant.
The compression and irritation of your nerve that leads to neuromas could result from:
If you play sports or take part in activities that cause repeated irritation of the ball of your foot, that can also lead to a neuroma.
To treat a mild to moderate neuroma, your podiatrist might recommend noninvasive approaches. These could include:
You should also limit your activities until the neuroma symptoms improve, and avoid going barefoot. Some patients might need corticosteroid or alcohol injections to help reduce the inflammation and nerve enlargement.
You might benefit from surgery for your neuroma if conservative treatments and steroid injections don’t relieve your symptoms.
The Trinity Foot & Ankle Specialists team performs advanced, minimally invasive decompression surgery to treat neuromas. They’ve had specialized training in nerve release techniques that spare the nerve, reducing the risk that you’ll lose the feeling in your forefoot and toes.
The team can also perform nerve removal if necessary. They do both primary and revision neuroma surgery using specialized loupe magnification to visualize the nerve more clearly.
To find a solution to your painful neuroma, call Trinity Foot & Ankle Specialists today, or book an appointment online.


When the temperatures become unbearable, air conditioning becomes necessary to overcome the discomfort. Given this, the market offers a wide range of cooling options based on cooling capacity, type, and size. This includes a window AC that is highly convenient and an affordable alternative for indoor comfort. So, if you are looking for a fast way to cool a specific room in your home, call a residential AC expert to help you select and install a residential window AC for peak functionality. Below are the benefits of having this unit in your home.
Easy Installation
Unlike centralized systems, window ACs do not require ducts to distribute cool air. In addition, these units are small in size and hence take up less of your indoor space. As a result, a residential AC professional can mount the system in any space you wish to cool. Moreover, window ACs are light, allowing you to move them conveniently to any room in your house. That said, even though a residential window AC installation is quite straightforward, it is advisable to work with an AC expert. This is because you still need to pick the right unit for your room size and seal your windows for minimal air loss or penetration.
Supplemental Cooling
A central AC unit delivers cool air throughout your house when the temperatures become unbearable. However, this system is not convenient for keeping a single room at its desired temperature. As such, a window AC can cool isolated spaces that your primary cooling unit cannot access. Additionally, a window AC can support your existing unit, especially when humidity levels are extremely high.
Low Cost
Window AC units are relatively cheaper to purchase and operate than conventional units. This is because window ACs are compact and come with a duct-free installation. That said, note that despite the low purchase price, the cost of the unit varies with the brand, cooling capacity, and additional features. Thus, you should have an expert calculate the home's square footage and advice on the right unit for the space.
Energy Efficiency
Window ACs consume less energy as they are small and more compact than other units. In addition, these units have a high energy efficiency ratio. This implies your unit will maximize the cooling output over the electrical input, hence improving energy savings. Therefore, you may want to install a residential window AC if working with a tight budget and need to maintain low operational costs.
Note that window AC delivers peak performance when well-installed and maintained. Thus, you should engage a residential AC contractor to install your unit for peak efficiency.


Camera equipped drones are nowadays being used to explore large scenes and reconstruct detailed 3D maps. When free space in the scene is approximately known, an offline planner can generate optimal plans to efficiently explore the scene. However, for exploring unknown scenes, the planner must predict and maximize usefulness of where to go on the fly. Traditionally, this has been achieved using handcrafted utility functions. We propose to learn a better utility function that predicts the usefulness of future viewpoints. Our learned utility function is based on a 3D convolutional neural network. This network takes as input a novel volumetric scene representation that implicitly captures previously visited viewpoints and generalizes to new scenes. We evaluate our method on several large 3D models of urban scenes using simulated depth cameras. We show that our method outperforms existing utility measures in terms of reconstruction performance and is robust to sensor noise


In September of 2019, the Final Report of European Banking Authority Draft Guidelines put in new outsourcing guidelines for all credit, investment firms, payment, and electronic money institutions. These guidelines replace the previous guidelines issued by the Committee of European Banking Supervisors in 2006. The change occurred because the previous CEBS guidelines only applied to credit institutions. Also, the EBA Guidelines incorporate its 2017 recommendation on outsourcing to cloud service providers.
Here are the issues all credit, investment firms, payment, and electronic money institutions should be aware of regarding the updated guidelines.
Outsourcing Definition
Outsourcing is an arrangement between a third-party financial institution, such as a Payment Institution or an Electronic Money Institution, and a service provider. This arrangement involves a process, activity, or service provided by a regulated third-party financial entity or an intermediary. The EBA Guidelines differentiate between critical and non-critical contractual arrangements. It places more stringent requirements on the risk profile of critical arrangements with PIs and EMIs than non-critical arrangements.
For example, a service provider using the services of a third-party PI or EMI is a critical arrangement. The service provider and third-party financial institution must follow strict EBA Guidelines and regulations. However, correspondent banking services, financial market information services, and other traditional banking and investment activities fall outside the definition of EBA Guidelines on outsourcing.
Outsourcing Standards for Critical Functions
All external and internal outsource functions fall under the EBA Guidelines. The EBA Guidelines identify critical tasks that impact PIs and EMIs risk profile and internal control policies. These outsourcing standards for critical functions include recognizing any defects that interfere with the third-party financial institution’s compliance with the EBA Guidelines. PIs and EMIs must also provide efficient and reliable banking and payment services.
Outsourcing Policy and Register
PIs and EMIs must have a written outsourcing policy that defines their operating principles, business responsibilities, and outsourcing processes concerning the outsourcing agreements. In addition, PIs and EMIs must implement their outsourcing policies, regularly review and update them when necessary. The EBA Guidelines list the minimum outsourcing requirements that PIs and EMIs must have for their governance framework on outsourcing.
Plus, these third-party institutions must maintain an up-to-date register on all outsourcing arrangements. This documentation must differentiate between critical outsourcing functions and other outsourcing arrangements.
Minimum Requirements for Outsourcing Agreements
According to the EBA Guidelines, all outsourcing agreements must express the rights and obligations of the third-party financial institution and the service provider. Some of these rights and obligations include:
A description of outsourcing functions A start and end date to the agreement The financial obligations of both parties The service provider’s reporting obligations to the third-party financial institution The location of where outsourcing data will be stored and processed The availability, accessibility, privacy, and safety of relevant data
All financial institutions subject to the EBA Guidelines must review their outsourcing functions and amend their agreements for compliance with outsourcing regulations if necessary. The deadline to complete this process was December 31, 2021. They must contact the governing authority and explain the steps they will take to complete the review if they cannot complete it by this time.
The EBA Guidelines outline the criteria to evaluate critical outsourced financial activities, processes, and functions. It replaces the CEBS Outsourcing Guidelines, and the new EBA Guidelines provide broader oversight than the CEBS Outsourcing Guidelines. As a result, outsourcing arrangements with third parties and cloud service providers will face additional risk assessment requirements.
How Can EMBank Help?
European Merchant Bank (EMBank) offers accessible financial products for fintech companies and local/regional SMEs across various industries. Established in Lithuania and licensed by the European Central Bank, EMBank provides a Banking as a Service offering, combined with Safeguarding Account, Business Account, and Accumulative Account types as well as payment options through SEPA, Swift, and Target2.
Please keep in mind that the above information has been prepared or assembled by the EMBank and is intended for informational purposes only. Some of the information may be dated and may not reflect the most current legal developments.
Please send an email to [email protected] to arrange a telephone call.


Immigration along the United States-Mexico border has long been a flashpoint in American history.
The US-Mexico border has become a flashpoint in the debate over illegal immigration and border security. President Donald Trump wants to erect a wall; however, lawmakers have rejected that idea and offered other ideas for securing the border. US authorities have tried a variety of tactics to keep people from reaching US soil, but in response, immigration activists have mounted legal challenges in the courts. Amidst this disarray, migrants continue to cross and solutions seem as distant as ever.
This reference book for readers ages 13-17 explores historical efforts to plug the United States’ leaky southern border. Additionally, it examines the delicate balance between border security and civil liberties. The author analyzes arguments for President Trump’s wall proposal, along with other solutions for managing border security.
The book presents a scholarly, unbiased analysis of a complicated, often controversial issue.


There were 171 state legislative vacancies across 43 states in 2021, according to a Ballotpedia analysis. As of Jan. 6, 2022, 129 of those vacancies have been filled.
One hundred and twenty-four (124) vacancies occurred in state Houses and 47 occurred in state Senates. Ninety (90) of the vacant seats were originally held by Democrats and 81 were originally held by Republicans.
Seventy-nine (79) vacancies occurred in states that fill vacancies through appointments, 81 occurred in states that fill vacancies through special elections, and 11 occurred in states that fill vacancies through a hybrid system that uses both appointments and special elections.
Arizona had the highest number of vacancies (13), followed by New Hampshire (11) and Oregon (10).
The most common reasons for a state legislative vacancy include an officeholder resigning, dying, leaving for a new job, being elected or appointed to a different office, or receiving a legal conviction. In 2021, Ballotpedia identified 90 state legislative vacancies that were caused by resignations, 52 caused by officeholders being appointed or elected to other offices, 25 caused by deaths, and four caused by removal.
Ballotpedia identified 146 state legislative vacancies in 42 states in 2020 and 177 vacancies in 45 states in 2019.
Additional reading:
State legislative vacancies, 2020 State legislative vacancies, 2019 How vacancies are filled in state legislatures


We've previously studied how Hispanics and non-Hispanics feel about the Military. Specifically, we explored their interest in joining the army, which military branch resonated the most with them, and how their acculturation had a part to play in this. We found that Hispanics are highly patriotic and have a rather positive attitude towards serving their country.
Now we've dug deeper into American's military sentiment, to find which group is more likely to actually serve. Here is an infographic highlighting the key points we discovered, illustrating that patriotic Hispanics are significantly more likely be a part of the U.S. Armed forces.


When dealing with financial turmoil, people might seek additional sources of funds, like secure or unsecured loans. Since unsecured loans have pre-requisites like high credit scores and multi-step processes, borrowers may avail secured loans instead. They can opt for gold loans if they have a sizeable portion of gold investments.
Borrowers must pledge a fair portion of their investments to avail these loans. Based on the loan-to-value (LTV) ratio, they may receive up to 75% or more as a loan amount against the gold collateral. And, unlike unsecured loans, fewer documents are requested with quicker loan disbursals.
Consequences of Gold Loan Defaults
While these loans are ideal for dealing with temporary or short-term financial constraints, they may affect borrowers in the long run. A continued deficit in income or another similar source could affect their ability to repay the loan. It may eventually lead to a loan payment default, i.e., a missed or delayed repayment.
Like any other loan repayment, failure to successfully pay the outstanding dues will land the borrower on the defaulters’ list. And it negatively affects their financial health like credit history and CIBIL score. To understand this better, check out some potential consequences borrowers may suffer by defaulting on gold loan payments.
● Lowered Credit Scores
Continued delayed or failed repayments will heavily affect your credit score. The credit history statement will reflect the record of defaulted payments and hinder your ability to avail credit in the future. Moreover, a lowered credit score will prevent other lenders from trusting you with unsecured payments.
● Repeated Reminders
After the first few failed payments, the bank or lender will begin sending you reminders about the missed payment. Or, they may send these reminders as the due date for the payment approaches. As the duration between non-repayment increases, they will use other means to reach out to you, like SMS, emails, and letters.
● Late-Payment Penalties
With every passing day since the missed payment, the lender will levy additional interest over the pre-existing interest rate of the loan. This extra fee will be applicable on all the months where the borrower failed to repay the loan instalment amount. The penalty fee can range between 1% to 7% p.a., but this percentage differs among lenders.
And lastly, after the lender has extinguished every effort to recover the loan amount, they will turn toward the gold collateral. After classifying your loan as a non-performing asset (NPA), the lender will auction the pledged gold to compensate for their losses. However, before finally selling the gold, the lender will approach the borrower to inform them of this decision.
5 Ways to Repay Gold Loans
While nobody anticipates financial impediments, there are still ways to recover from them. Especially if it means saving your pledged gold from being auctioned. Use the following tips to recover from gold loan defaults and promptly repay the amount owed.
1. Deferred Principal Payment
This option allows borrowers to continue paying the EMI as scheduled, but the borrowed principal amount can be paid later. Instead of paying the principal in instalments, the borrower can choose to pay it at the end of the tenor.
2. Part Payments
Gold loans have specific customer-centric approaches that allow borrowers to repay the interest and principal amounts at their convenience. It means they don’t need to conform to the pre-set EMI schedule. They can make partial or complete payments of both amounts.
So, if they repay the principal, followed by the total interest, it will considerably reduce the total serviceable interest.
3. Bullet Payment
Borrowers can approach the bank or lender for this option to hold out the repayment until the end of the tenor. It’s applicable for both the interest and principal amount. Simply put, borrowers are not required to make timely EMI payments. Instead, they can repay the entire amount owed with interest at maturity.
4. EMI Payment
Preferred by those with a regular income, EMI payments calculate the interest and principal amount together. These instalments can be paid in intervals of the borrower’s choice. Moreover, salaried individuals get an additional preference for gold loans owing to their repayment capabilities.
5. Pre-Pay/Foreclosure
Use the amount to pre-pay your outstanding gold loan when a sudden windfall appears. It’s a viable way to foreclose the loan since most banks don’t levy penalties for loans sanctioned over three months ago. However, certain banks may charge between 0.5% to 2% of foreclosure fees.
If you wisely plan out gold loan repayments, it could come in handy to increase your credit score. These secured loans come with numerous benefits aside from paying financial obligations. Don’t let financial constraints jeopardise your credit history!
Are you looking for quick and hassle-free funds? Visit Bajaj MARKETS for the best gold loans with competitive interest rates today!


Shower heads may not need frequent cleaning, so homeowners often overlook these fixtures during their cleaning routines. However, if you’ve been putting off this chore,
An excellent way to keep your house clean is by organizing your cleaning supplies first. Once you have a tidy cleaning stash, you’ll finish your
No one can deny the convenience of commercial cleaners. However, some of the best cleaners aren’t even on the cleaning supplies aisle but in your
Most cleaning supplies are obvious choices, but did you know there are great options that most homeowners overlook? Here are five cleaning tools worthy of


What are the procedures established by Member States to prevent and detect the misuse of authorisations for third-country nationals to reside for the purpose of study? The latest EMN Inform: Preventing, detecting and tackling situations where authorisations to reside in the EU for the purpose of study are misused provides a comparative overview of Member States’ approaches, experiences and best practices in addressing such cases.
The inform distinguishes between the pre- and post-arrival phase. In the pre-arrival phase, focus is on prevention of potential misuse of authorisations. The post-arrival phase, concentrates on detecting possible cases of misuse once an authorisation has been issued, highlighting the main methods adopted by the Member States and the consequences linked to such cases.
The inform outlines that several Member States give full priority to the pre-arrival phase, with as many placing emphasis on both the pre-arrival and the post-arrival phase.


Wrinkles/Rhytids Treatment
Whether you’re just beginning to notice the development of wrinkles, or if you think the time is right to address your existing ones, the team at IDI offers specialized treatments designed to help patients significantly improve the texture, appearance, and health of their skin.
What are Wrinkles?
Wrinkles, clinically known as rhytids, are skin creases that gradually appear as the result of a number of environmental and genetic factors. While there are numerous effective lifestyle strategies and techniques for reducing the risk of developing them, once they’re deeply established, they can only be removed using dermatological or surgical intervention.
The overwhelming majority of people will develop wrinkles in old age. Nevertheless, the process can be forestalled considerably if certain lifestyle choices are avoided. These include:
Smoking Heavy alcohol consumption Tanning
Maintaining a consistent, healthy weight can reduce the risk of skin laxity. Additionally, enjoying a diet rich in fruits and vegetables with antioxidant compounds is thought to help facilitate skin cell regeneration and inhibit wrinkle development.
However, while it might be possible to slow the development of wrinkles with diet and lifestyle choices, repairing and smoothing already wrinkled skin requires a different set of tools.
Treatment Options
The optimal treatment for wrinkles will depend upon your skin type, the severity/depth of the wrinkles, and your skin elasticity.
For early signs of wrinkle development, certain dermatological treatments may yield excellent results. These include:
Deep chemical peel:Deep chemical peels can be effective in minimizing the appearance of fine lines and wrinkles. This is the application of strong glycolic or salicylic acid solutions that minimize the appearance of fine lines and wrinkles by causing the top layers of skin to slough away, revealing the more youthful-appearing skin underneath. Dermabrasion:This is a controlled surgical exfoliation technique designed to plane away outer layers of skin. Laser resurfacing:This technology uses short waves of pulsating light to remove outer skin layers with a high degree of precision, uncovering softer, unlined skin. This technique is often used on patients who are more likely to experience hyperpigmentation or potential discoloration from using mechanical wrinkle reduction procedures.
Established wrinkles can be made to appear less severe using the above techniques. However, for deep creases and lines, there are injectable treatments that offer superior outcomes.
Dermal fillers:These injectable hyaluronic acid solutions create volume while stimulating collagen production in the skin, which helps promote skin elasticity and lift. Fillers are particularly effective for the treatment of deep nasolabial folds (laugh lines). Botulinum toxin (Botox, Dysport):Botulinum toxin injections differ from dermal fillers in that they inhibit the overactivation of the facial muscles – they don’t “fill” lines and wrinkles. By relaxing the muscles, this solution significantly reduces facial tension that makes wrinkles more apparent. This not only is a great solution for targeting existing wrinkles, but it also helps slow down the development of new ones.
IDI offers a full spectrum of services designed to enhance your appearance and maintain the health of your skin. To learn whether these treatments could be right for you, please schedule a consultation today.


Hyperautomation – riding the next wave of automation
Automating knowledge work isn’t exactly a novel topic. The Business Process Management (BPM) discipline emerged in the early nineties, introducing a formalized and structured approach to process automation. And for decades, Application Programming Interfaces (API) have been harnessed to build data flows across systems. However, during the past few years, the array of automation solutions has expanded at a staggering pace with desktop, back-office and platform-specific automation tools, also offering impressive cognitive capabilities.
The technology is ripe and the tools are here to bring factory level automation into the office – to automate business processes and workflows efficiently over organizational siloes and across the whole IT landscape. Is your organization equipped to harness the full Hyperautomation toolkit?
The First wave of RPA
When Robotic Process Automation (RPA) tools first surfaced over a decade ago, they were harnessed to automate simple rule-based tasks in the user interface layer of computer systems. These automations, also known as Software Robots, were developed with visual tools often accompanied with hefty price tags – making RPA a technology predominantly exclusive to large enterprises.
Initially, Software Robots were operated on local computers. They were handed tasks that went into long work queues – completed sometime later when a slot in the robot work queue opened up. Computing capacity and license terms defined when an automated task could be processed.
You’d be surprised to hear what kind of tasks have been handled by Software Robots running on dusty computers in corporate basements.
The second wave of RPA
Today, we’re surfing the second wave of RPA. Intelligent Software Robots operated from the cloud have become the new norm. They provide an extended on-demand digital workforce that enables automating virtually any business process, at any scale, across any IT systems.
Take customer service operations for example, where this virtual workforce has spawned notable opportunities in responding to fluctuating demand and ensuring business continuity in challenging times. Yet, in dealings with the customer service channels of large enterprises, how often do you still encounter the following: “Our customer service is currently congested. We apologize.”?
When it comes to the widespread trend of migrating to the cloud, RPA makes no exception; on-premises has become on-demand. Software Robot machines are harnessed more dynamically – and that’s good news for organizations who seek to scale their automation initiatives. Automation-as-a-Service models are lowering the unit costs of virtual workers (bots), supporting pay-as-you-go models where you only pay for the resources you use. Picture a fully trained and maintained virtual worker for only a few euro an hour. That’s pretty attractive pricing.
In addition to improved cost-efficiency, RPA has enhanced capabilities and has matured from a somewhat technology-centric approach to a more business-driven approach. Business users now define how an automated process needs to run, and at what scale, and automation technology supports this – as opposed to restricting or limiting it.
From scaling bots to business benefits
The automation of simple knowledge work tasks has evolved into fully integrated workflows and automated end-2-end processes. Naturally, automation technology has evolved to support this. Some talk about Hyperautomation, others Intelligent Process Automation or Digital Process Automation. More or less, they all share the same definition with a toolkit comprising:
BPM & Data Mining to map and streamline processes, including AI-based process discovery methods to understand bottlenecks and identify new automation potential Robotic Process Automation to follow rules and automate the mundane routine tasks Artificial Intelligence and cognitive components to handle unstructured data, understand and generate natural language, process a multitude of content formats and make complex decisions or predictions within a process phase Advanced Analytics to make informed decisions and visualize and communicate business benefits, and Software Development capabilities to tailor the target systems of automation themselves, supporting the most efficient end-to-end workflows
Organizations that fail to master this toolkit and automate their own processes, will inevitably get left behind in the race to digital operational excellence. Automation doesn’t just magically happen through technology or platform selection. What matters most, is the ability to harness the chosen tools to generate business benefits, to understand ways of working, and manage and communicate change.
With every cent invested in automation programs under increasing scrutiny, there’s a growing need for clear, quantifiable metrics that help communicate the value of Intelligent Process Automation efforts across the organization. As a result, the focus of automation analytics has expanded from bot monitoring and simple FTE savings to a more holistic impact approach, which encompasses broader perspectives such as improvements to Customer Experience (CX) and Employee Experience (EX). After all, what you measure is what you get.
Have you defined your Hyperautomation journey yet?
About the writer: https://www.linkedin.com/in/kristianvalkama/ SKALER - Asiantuntijat ja yhteyshenkilöt SKALER - Muita referenssejä SKALER - Muita bloggauksia
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BloggausLessons from RPA implementations after the hype
In a complex landscape of business applications, the flow of data between systems is crucial for today's enterprise. Sometimes,
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The name ROVE was chosen by the inaugural team based on an idea in an article by Gurpreet Singh Johal (2005) about the possibilities for the emotional experience of rage. Rage is often misunderstood as a wholly negative, destructive emotion and experience, yet Johal argues that rage has a lot of transformative potential. This is because rage, at its root, is love: love for oneself, one's community, the world. Rage is the recognition of a wrong, of an injustice against someone or something, and the core of this recognition is loving that thing.
The word "rove" is a combination of the words "love" and "rage". We sought to evoke those experiences equally and simultaneously with the journal.
Further, "rove" is itself a word with its own meaning - that of not having one linear path, that of meandering, not knowing where one is going. We wanted to leave space for imagination, rebuilding and recreation that is divorced from capitalist notions of productivity and creation.
Rove strives to encapsulate all these ideas.


Sixteen firms settled with the Securities and Exchange Commission and Commodity Futures Trading Commission for failing to maintain and preserve business-related communications.
Total civil penalties for these settlements and similar actions brought in December 2021 exceed $2 billion. The settlements stem from a risk-based investigation into whether broker-dealers, swap dealers, and other registrants are retaining business-related communications made on personal devices. Companies can take certain proactive measures now to ensure their record retention policies and controls sufficiently mitigate risk stemming from employee use of text messaging applications, including third-party platforms such as WhatsApp, on their personal devices.


What is the
spiritual (nonreligious) essence of parenting? What is beyond the doing and non-doing? And why is parenting a journey? How can we guide our children to live their true selves? What tools can help us as parents, to raise our spiritually aware children?
The physical injuries invited me to reorganize my body. The NDE was an invitation to embrace an ability to walk between the worlds and connect to my essence. However, it was a door I still needed to choose to say
YES to.
As part of my long healing journey, I needed to integrate the “knowings” I came back with from the NDE into my everyday life, my parenting, and the way I walk life.
Yet, these answers to questions I was unaware I ever asked, and the journey life has taken me on since then, do not feel like mine only. This website brings it all together with the intention of sharing it with you.
I hope that the information provided here about
spiritually aware children and parenting, the parenting journey, shamanic energy healing with children and families, and the mythical healing stories will inspire you as they inspire our journey as a family.
If you are challenged in your parenting journey, by any type of crisis, like I was following the car crash and the NDE, see
letters I write in retrospect to myself.
In order to reach out to parents wishing to embrace simple energetic, and/or shamanic tools into their daily rhythm with their children, I prepared a
FREE toolkit that included six eBooks and six FREE journaling exercises, including explanations and examples to enhance your parenting journey.
You can receive both by
subscribing to my Newsletter, sent monthly.
Finally, English is not my first language, and I write in English as part of a greater call I am yet to understand. I try to be precise – please forgive me for any unintentional mistakes.
In Oneness. Efrat


Computer Bulletin Board Operator Liability for Users’ Infringing Acts
This Note argues that a computer bulletin board operator’s liability for copyright infringement by users of the bulletin board should be analyzed under the theory of contributory copyright infringement. This Note calls for a standard of liability under contributory copyright infringement that accommodates the competing interests at stake in the resolution of this issue. Part I provides an overview of copyright infringement law and argues that in most situations the operator’s actions, viewed independently, do not constitute copyright infringement. Part II explores theories of third-party liability. This Part rejects the doctrine of vicarious liability as an effective means for establishing bulletin board operator liability and argues that contributory copyright infringement theory provides a more solid foundation for finding operator liability. Part III then proposes that courts employ a negligence standard to analyze contributory copyright infringement claims against bulletin board operators.


Europe has a lack of intellectual property in integrating artificial intelligence (AI) into digital applications. This is critical since the automatization reached saturated levels and AI in digitisation is an accepted approach for the upcoming transformation of the European industry. The potential of AI in economy and society is by far not enough exploited. Potential users of AI are not sufficiently supported to facilitate the integration of AI into their applications. Enabling of performance, industry and humanity by AI for digitising industry is the key to push the AI revolution in Europe and step into the digital age. Existing services providing state of the art machine learning (ML) and artificial intelligence solutions are currently available in the cloud. In this project, we aim to transfer machine learning and AI from the cloud to the edge in manufacturing, mobility and robotics. To achieve these targets we connect factories, processes, and devices within digitised industry by utilizing ML and AI for human machine collaboration, change detection, and detection of abnormalities. Hence, we gain knowledge by using existing data and arrange them into a processable representation or collect new data. We use this knowledge to change the semantics and the logical layer with a distributed system intelligence for e.g. quality control, production optimization. In AI4DI, we define a 7-key-target-approach to evaluate the relevance of AI methods within digitised industry. Each key target represents a field of activity and the corresponding target at the same time, dividing systems into heterogenous and homogenous systems, and evolving a common AI method understanding for these systems as well as for human machine collaboration. Furthermore, we investigate, develop and apply AI tools for change detection and distributed system intelligence, and develop hardware and software modules as internet of things (IoT) devices for sensing, actuating, and connectivity processing.


Reproductive aging and telomeres: Are women and men equally affected
Mech of Aging & Devel.
2021 doi:
Abstract
Endometrial function is essential for embryo implantation and pregnancy, but managing endometrial thickness that is too thin to support pregnancy or an endometrium of compromised functionality due to intrauterine adhesions is an ongoing challenge in reproductive medicine. Here, we review current and emerging therapeutic and experimental options for endometrial regeneration with a focus on animal models used to study solutions for Asherman's syndrome and endometrial atrophy, which both involve a damaged endometrium. A review of existing literature was performed that confirmed the lack of consensus on endometrial therapeutic options, though promising new alternatives have emerged in recent years (platelet-rich plasma, exosomes derived from stem cells, bioengineering-based techniques, endometrial organoids, among others). In the future, basic research using established experimental models of endometrial pathologies (combined with new high-tech solutions) and human clinical trials with large population sizes are needed to evaluate these emerging and new endometrial therapies.


Missing and broken shingles is a common issue homeowners experience, usually after a heavy storm. It often leaves you wondering whether your roof would begin to leak. In this article, we discuss the reasons for missing roof shingles, when missing shingles cause water leaks, and why you should replace the missing shingles in time.
What can cause missing shingles?
You may experience missing shingles due to several issues. It is essential to identify the underlying cause in order to prevent the problem from recurring. Here are some of the common issues that can cause missing shingles:
Worn out sheathing:Roof sheathing acts as a protective layer under the shingles. Over time, it may begin to rot and loosen the shingles, giving way to water leaks and structural damage. Improper nailing:Roof shingles need to be fastened properly with nails as per the manufacturer’s guidelines. If the installation is not done using correct nailing pattern (over/under driving of nails or nailing not as per markings), the shingles may not withstand strong winds. Other issues:Other issues like the quality of shingles, lack of maintenance, intense weather and normal wear and tear may also result in missing shingles.
Conducting a professional inspection of your roof can save you from the damage spreading to other areas of your roof. Roofing New York City company or a similar company in your area can help you with such inspection.
Do missing shingles cause roofing leaks?
Whether or not your roof would leak due to missing shingles depends on several factors. The shingles on your roof overlap each other in such a pattern that one shingle covers the seams of another. This is done to minimize roofing leaks.
If the entire shingle is missing, you may need to look for immediate repair. If only a portion of a shingle is damaged, you need to consider the size and location of the damaged shingle. If the damaged portion covered a seam of another shingle, your roof is more likely to leak. If the portion of a shingle that underlies another one is damaged, repair may not be that urgent. However, even in such cases, you need to repair or replace the damaged shingles since you may experience leaking due to further wear and tear over time.
Why should you replace the missing shingles?
Apart from water leakage, there are several other reasons for repairing/replacing the damaged shingles. When shingles start aging and falling off the roof, they negatively impact the aesthetics of your home.
Sometimes, a missing shingle, if left unattended, can snowball into a more severe issue. For example, the shingles around the gap may begin to become loose and be more prone to damage. In other cases, there may not be visible leakage, but seepage may begin to form, causing serious damage to your interiors (mold, mildew or even structural damage).
Hence, it is advisable to hire a professional roofing contractor and repair/replace the damaged/missing shingles at the earliest in order to avoid additional damage and frustration. You can use Google Maps to locate roofing contractors in your area. For example, to find roofing contractors in New York, you can search for something like roofing companies new york in Google Maps.


The United States District Court for the District of Hawaii approved and entered as its own order and final judgment a Consent Decree in United Public Workers v. Ige, a case involving the contract rights of public hospital workers impacted by legislation authorizing privatization of Maui County’s public healthcare facilities.
After signing into law Hawaii Act 103 (2015), the Governor of Hawaii entered into an agreement to transfer Maui County’s three healthcare facilities to Kaiser, which would terminate the public employment of the hospital workers, effective June 30, 2016. But United Public Workers, which represents about 500 workers at the hospitals, has collective bargaining agreements (CBAs) with the State that are effective through June 30, 2017. The Union filed suit to challenge the timing of the privatization as a violation of the Contract Clause of the U.S. Constitution and moved to enjoin the privatization until expiration of its CBAs. After the district court dismissed the case on the pleadings, the Union sought emergency relief from the Ninth Circuit. The Ninth Circuit ordered expedited merits briefing and set the case for a prompt oral argument. After oral argument, the Ninth Circuit enjoined the privatization transaction pending a decision on the merits. Although the State sought reconsideration, the Ninth Circuit did not vacate its injunction.
The Union and the Governor reached a settlement fully resolving the Union’s claims before the Ninth Circuit issued its ruling on the merits. The Governor agreed to entry of a consent decree providing that, notwithstanding the transfer of the Maui hospitals to Kaiser (which is now scheduled to occur on November 6), the bargaining unit employees will remain public employees covered by the CBAs until the contracts expire, after which Kaiser must offer them at least six months of employment. The Consent Decree ensures that all bargaining unit members will continue to enjoy the full benefits and protections of their CBAs until June 30, 2017, and the additional year of public employment is equally crucial, particularly for those who otherwise would not vest in their pensions or become eligible for higher retirement benefits.
The district court vacated its original judgment and entered the Consent Decree as the final judgment of the Court. At the parties’ joint request, the Ninth Circuit dismissed the appeal as moot. Altshuler Berzon LLP, together with Honolulu-based Takahashi & Covert, represented the Union.


Small Company Worker Retention Debt 2021-- ERTC Qualification Report Launched
ERTC Today is a tax credit consulting company that has created an online tool to assist small business owners in determining if they are eligible for 2021 Employee Retention Tax Credit.
The newly launched tool also allows participants to secure consultations to discuss their eligibility for the tax credit and the amount they can expect to receive. The ERTC doesn't have to be repaid. Any business with fewer 500 employees (both non-profits as well as start-ups) may qualify.
The tool, along with more information about the ERTC, can be found at http://localrecoveryhelp.com
This announcement is to increase awareness of the newly approved tax credit. It was initiated by the IRS to assist small businesses in maintaining their staff during these challenging times, via payroll cost refunds.
Many businesses were affected by the pandemic and have had to deal with staff shortages and supply problems, closings and uncertainty. Lawmakers have passed several relief programs over the past 2 years to help business owners and staff cope with these difficulties. The ERTC is one such program, introduced as part of the Coronavirus Aid, Relief, and Economic Security (CARES) Act in March 2020.
Businesses could be eligible for relief if they had to suspend or complete their normal operations in 2020 or 2021 because of a government order. This applies if they engaged in trade or business during these years and their employers were operating during the qualifying year.
Refunds may range up to $28,000 per employee, regardless of whether the business owner has previously received assistance from the Paycheck Protection Program (PPP). Many businesses had previously chosen the PPP. However, IRS regulations have made it more accessible to all businesses.
GL Digital, a Phoenix-based digital content marketing company and enterprise software provider dedicated to small business support, endorses ERTC Today. GL Digital offers small business resources such as tax consultation and advice on domain names, social media management software, webinar tools and video hosting platforms.
Interested parties can find more details at http://localrecoveryhelp.com


This study investigated the client's perception of the therapist using three types of clinical humor: appropriate, inappropriate, and no humor. These humor conditions were interspersed within identical scripts, which were enacted and videotaped The hypotheses were that: (1) the therapist using appropriate humor would elicit the most positive response, (2) the male subjects would more appreciate clinical humor use, and (3) the male therapist using appropriate humor would be rated the most positively One hundred and twenty subjects used the Counselor Rating Scale by Barak and LaCrosse, to evaluate the video therapist. All subjects had previous therapy experience Appropriate humor did not elicit a more positive score than the use of no humor, but was significantly more positive than inappropriate humor. Male subjects favored inappropriate humor significantly. Further, an interactional trend suggested a gender bias; the male therapist was rated highest when using appropriate humor, whereas the female therapist was rated highest when not using humor


By Tori Berube, Director of Marketing and Outreach
Buying a home is one of life’s major decisions, especially for first-time homebuyers. Neighborworks® Southern New Hampshire’s HomeOwnership Program Director Paul McLaughlin recently joined us to share the factors to consider when beginning the homebuying process. While buying a home may help you build equity and provide housing stability, it may also mean decreased mobility and ongoing maintenance costs.
In this interactive presentation, Paul not only offers helpful tips, such as not selecting a lender solely based on an interest rate, but he also:
explores the pros and cons of buying a home defines the 10 steps in the homebuying process explains the lending process (including the four C’s of lending) discusses the four C’s of debt identifies the laws designed to protect homebuyers shares additional resources
There are many factors to consider when buying your first home. Paul provides helpful information to help you understand these factors and start you on the path to making a well-informed decision. We wish you well as you begin the homebuying process!